What are the current interest rates at MountainCrest Credit Union?

Current rates for MountainCrest Credit Union include: 12-Month CD: 2.79%, 24-Month CD: 1.51%, 60-Month CD: 1.71%, Savings: 0.10%

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MountainCrest Credit Union

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MountainCrest Credit Union Rates & Review September 2026

Q: Is a member application needed to join MountainCrest Credit Union?

Yes, to access services at MountainCrest Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MountainCrest Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

MountainCrest Credit Union's 6 Month CD rates are at 3.30%, 12 Month CD rates are at 3.05%, 6 Month CD rates are at 3.05%, 12 Month CD rates are at 2.79%, 60 Month CD rates are at 1.77%. MountainCrest Credit Union's savings rates are at 0.10%. MountainCrest Credit Union's Personal Loan Rates are at 9.74%. MonitorBankRates evaluates the financial stability of MountainCrest Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.98%. Rates last updated and verified on 09/03/2026.

MountainCrest Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MountainCrest Credit Union? Share your experience about MountainCrest Credit Union by leaving a review below, or read customer reviews before you decide to use MountainCrest Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.98%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

MountainCrest Credit Union
Arlington Branch

3710 168TH ST NE STE A108
Arlington, WA 98223-8462

https://www.mountaincrestcu.com

MountainCrest Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.25%	3.30%	6 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
12 Month Certificate	3.00%	3.05%	12 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
6 Month Certificate	3.00%	3.05%	6 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
12 Month Certificate	2.75%	2.79%	12 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
60 Month Certificate	1.75%	1.77%	60 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
60 Month Certificate	1.70%	1.71%	60 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
36 Month Certificate	1.65%	1.66%	36 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
36 Month Certificate	1.60%	1.61%	36 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
24 Month Certificate	1.55%	1.56%	24 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
24 Month Certificate	1.50%	1.51%	24 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Savings Rates

Product	Rate	APY
PAWS Club	0.20%	0.20%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Teen Savings	0.20%	0.20%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Holiday Club	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Savings Account	0.10%	0.10%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
No-Cost Home Refinance	-	-	5.50%	7, 10, 12 and 15 year
Details Up to 70% loan to value. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan	-	-	6.75%
Details Up to 100% loan to value. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Home Equity Line of Credit (HELOC)	-	-	7.25%	5 year draw with up to 20-year
Details *Up to 100% loan to value. variable rate Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.50%	Up to 84-month
Details 2024 and newer. Loan to value based on MSRP or NADA retail. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Used Auto	-	-	4.50%	Up to 84-month
Details 2023 and older. Loan to value based on NADA retail. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	12.25%
Details The APR will vary with the market based on the Prime Rate. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

MountainCrest Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	9.74%	Up to a 72-month
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%
Personal Line of Credit	11.74%
Details *See Disclosure Below variable rate Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MountainCrest Credit Union’s Texas Ratio rose from 3.65% in Q2 2023 to 6.98% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$155M	6.98%	5.0	A
December 31, 2025	$153M	8.06%	5.0	A
September 30, 2025	$152M	6.52%	5.0	A
June 30, 2025	$151M	3.77%	5.0	A+
March 31, 2025	$149M	6.22%	5.0	A
December 31, 2024	$145M	7.91%	5.0	A
September 30, 2024	$141M	6.73%	5.0	A
June 30, 2024	$143M	7.58%	5.0	A
March 31, 2024	$142M	4.01%	5.0	A+
December 31, 2023	$141M	4.71%	5.0	A+
September 30, 2023	$142M	4.03%	5.0	A+
June 30, 2023	$143M	3.65%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MountainCrest Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather MountainCrest Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with MountainCrest Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MountainCrest Credit Union

Website https://www.mountaincrestcu.com

Address 3710 168TH ST NE STE A108, Arlington, WA 98223-8462

Phone 360-435-5400

Fax 360-435-5558

President Shirley Bradford

CEO Lindsey Welch

Full-Time Employees 23

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.98%

Return on Assets (ROA)

0.1849%

Return on Equity (ROE)

1.3266%

Non-Performing Loans Ratio (NPL)

1.63%

Total Assets

154,843,204

Total Amount of Shares and Deposits

133,502,823

Total Shares and Deposits < 1 Year

132,592,497

Total Shares and Deposits 1 3 Years

523,495

Total Shares and Deposits > 3 Years

386,831

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

7,661,140

Total Uninsured Shares and Deposits > $250K (F+J)

7,661,140

Total Insured Shares and Deposits > $250K (item 17 less item K)

125,841,683

Total Interest Expense (Sum of items 6 8)

304,968

Share Certificates

624

Number of Accounts for Share Drafts

3,447

IRA KEOGH Accounts

106

Number of Accounts for Regular Shares

8,720

All other shares

Money Market Shares

781

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

34,507,196

Total Liabilities

133,431,035

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

MountainCrest Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About MountainCrest Credit Union

How many branches does MountainCrest Credit Union operate?

MountainCrest Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join MountainCrest Credit Union?

Yes, to access services at MountainCrest Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, MountainCrest Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, MountainCrest Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does MountainCrest Credit Union offer online and mobile banking?

Most modern institutions like MountainCrest Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mountaincrestcu.com.